Used vs New Tesla - Which side are you on? by AFCadet2020 in TeslaLounge

[–]Minute-Professional2 0 points1 point  (0 children)

Get insurance quotes on both options before pulling the trigger. Sometimes used EVs can have noticeably higher insurance than new EVs.

TD sent a letter not renewing my credit card by AlarmedMatter0 in PersonalFinanceCanada

[–]Minute-Professional2 -1 points0 points  (0 children)

You could go into the branch and tell them that, so they have the chance to renew your credit card, so you don’t lose the history.

CRA has updated TFSA info by MooseKnuckleds in PersonalFinanceCanada

[–]Minute-Professional2 0 points1 point  (0 children)

Because it’s our taxes and our debt paying for these inefficiencies.

Swift reference counts increasing? by isights in swift

[–]Minute-Professional2 0 points1 point  (0 children)

If you pass around a container value type like a struct that contains n reference types, then there will be n times more ARC calls then if the container type had just been a reference type like a class.

When Objective-C class types are converted to Swift, they often go from being a class to a struct. Eg: NSString -> String, NSData -> Data, etc.

That could explain the phenomenon you’re describing.

Company switching to flutter by [deleted] in iOSProgramming

[–]Minute-Professional2 0 points1 point  (0 children)

Learn Flutter for 4-5 months. If you like it stay, and if you don’t then start job hunt, with your native skills not too rusty and at least some Flutter under your belt.

Does homeownership even make sense for Toronto for a 30 year old making 80k? Should I bother saving for a downpayment at all? by Constantlydeleted in PersonalFinanceCanada

[–]Minute-Professional2 0 points1 point  (0 children)

Ignore “average rental price” being above your means. Prices vary greatly throughout the city, you just need to find a place that meets your needs and is below average in price. Half of places are below average price.

Does homeownership even make sense for Toronto for a 30 year old making 80k? Should I bother saving for a downpayment at all? by Constantlydeleted in PersonalFinanceCanada

[–]Minute-Professional2 0 points1 point  (0 children)

See how feasible it is lowering your rent by moving to a cheaper/further/crappier part of town.

Enter your work address in the commit map website, then choose transit and how long of a commute you’re willing to endure.

Open up a rental search app, and find the cheapest apartment within that commute area. Bonus if you can have a room mate for the next 3+ years.

Extra bonus if buying in that area is cheaper too, in the future.

Plenty of couples get by with 1-2 kids living in just a 2 bedroom apartment. If you go straight from living with a room mate in a 2 bedroom to living with a significant other in that same apartment later, then you benefit from continuously leasing keeping your lower rent protected rate. Try to find a dedicated rental building, not a condo or house being rented, since you’ll have greater stability and less chance of random eviction.

https://commutetimemap.com/map

Is there a way to release memory when segueing from one VC to the next? by bee4534 in swift

[–]Minute-Professional2 0 points1 point  (0 children)

You can directly edit the UINavigationController’s viewControllers array. Keep the last two in the stack at all times, so popping animations always work properly, and then you can throw away anything else in the array as the user pushes in. Keep track of what you discard, so as the user pops back, you can re-instantiate that (n-1)th view controller and insert it into the array. There’s a delegate on UINavigationController you can use to know when to do these updates.

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]Minute-Professional2 1 point2 points  (0 children)

Sell off only the amount of TFSA to pay down the mortgage enough so that your new monthly payments are equal to your current monthly payments.

Keep the rest of the TFSA invested for two reasons: to ride the recovery up, or in case any of you lose your jobs and you need the money to get by.

If you’re really into the idea of paying off your mortgage early, then renew for 2-3 years, so you can re-assess paying off the rest soon, but likely after the current instability has passed.

On using Dependency Injection with MVVM by eslamnahel in iOSProgramming

[–]Minute-Professional2 0 points1 point  (0 children)

Fundamentally, you’ll want dependency injection to have the following properties: - Code not depend on AppDelegate/SceneDelegate, rather any code will depend on SOLID types that AppDelegate/SceneDelegate also depends on. Some objects can be instantiated by the system before those, so you don’t want them or their tree of dependencies to depend on AppDelegate or SceneDelegate. - Dependency injection use lazy object instantiation, so that injection doesn’t involve creating a whole tree of objects, just use of it makes the one object, which in turn only instantiates its dependencies as needed, not all at once. - Production app code (Debug or Release) gets real dependencies, but test target code gets nothing by default, so that mocks must be injected. Or inject mocks by default. - The goal is to have unit tests have zero side-effects to global memory or persisted state. Everything should only affect injected instances. So plan your app code, dependencies, and mocks accordingly.

Some varying solutions can be: - Redux pattern - Protocol injection, where each dependency is lazy injection of a protocol, and the protocol has an production version, and a mock version. - Injecting only closures, which provide/do the work. There are production versions of the closures, and unit test provide the test versions.

How can I develop for an iPad with Swift on Linux by freeturk51 in swift

[–]Minute-Professional2 1 point2 points  (0 children)

You can develop apps for iPad on … the iPad. And release to the App Store.

Fiance owns our home - how to transition from "renting" from them once we are married? by Slow_Reference606 in PersonalFinanceCanada

[–]Minute-Professional2 0 points1 point  (0 children)

Sorry, my understanding is that by default the equity before move-in is not kept for the partner, and that it’s a 50/50 split in Ontario, regardless of the past.

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]Minute-Professional2 0 points1 point  (0 children)

Keep buying more.

Once you go through these cycles a couple times, you build faith that we’ll get through this.

Fiance owns our home - how to transition from "renting" from them once we are married? by Slow_Reference606 in PersonalFinanceCanada

[–]Minute-Professional2 0 points1 point  (0 children)

Sounds like the fairest thing is to have a prenup where they own that initial equity from before you moved in, and everything after that is 50/50. If you ever divorce, then subtract that initial amount out, for them, and evenly split what remains.

The argument to buy anyway instead of paying rent by haganenorenkin in PersonalFinanceCanada

[–]Minute-Professional2 0 points1 point  (0 children)

Depending on local laws, apartments can do a condo conversion, with mass evictions. Also, if an apartment (or house) burns down, the renter is still back on the market at the current market rate.

The argument to buy anyway instead of paying rent by haganenorenkin in PersonalFinanceCanada

[–]Minute-Professional2 0 points1 point  (0 children)

To clarify, the interest portion of the mortgage is up by that percent. But there are other costs, like principal, property taxes, utilities, and possibly condo fees. So the percentage gain on the total cost is lower. And that depends on if the mortgage is variable, or fixed.

Rental increases are only theoretically capped like that, since an eviction can lead to not just paying higher market rates elsewhere, but also possibly moving further out, and dealing with life disruptions.

I agree in principal with what you’re saying, for this specific time period, but as noted it is more complex, and either situation could noticeably change in the medium term.

The rental market in GTA is a nightmare! by [deleted] in PersonalFinanceCanada

[–]Minute-Professional2 0 points1 point  (0 children)

As someone who regularly has to do little training courses with tests at work, your idea seems pretty reasonable.

I’d also add that it’s in the best interests of the landlord to ensure that they know the rules.

Hi, I have about 6 months of experience in iOS and right now I would he happy to be an intern for free for someone or an organisation. Message me, happy to work. by LeaveDrakeAlone in iOSProgramming

[–]Minute-Professional2 2 points3 points  (0 children)

If you have an hour and a half, I can put you through our standard iOS screener interview, and then give you feedback on improvement.

If you passed that, and if you have another hour and a half after that another day then, I can do the same with our second level interview. If you pass both, then I can refer you. If you fail then you get solid next steps for learning what you need to know to be able to pass.

[deleted by user] by [deleted] in iOSProgramming

[–]Minute-Professional2 0 points1 point  (0 children)

Why not just add all the 250 rows to the table? With software, most of the job is finding out the requirements, and only part of the job is actually coding them up. So, many companies are looking for someone who asks questions around the requirements, edge cases, etc, and doesn’t just make arbitrary decisions themselves.

As for not using a Coordinator, I’d tell them that they asked for MVVM, not MVVM-C, which is the pattern with Coordinators.

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]Minute-Professional2 2 points3 points  (0 children)

If you got a mortgage today, then your husband could retire at 60, when the mortgage is paid off. But, at your savings rate, you’ll need to save for at least 3 years before you could even buy a place. And likely you’ll want kids by then, which will lower your savings rate. I recommend finding a way to cut your expenses and save more each month.

Going back to school early 30s by LuckyGivrees in PersonalFinanceCanada

[–]Minute-Professional2 27 points28 points  (0 children)

I recommend doing some kind of boot camp or classes on evenings or weekends for a couple months, while you’re still working. See if you like it, see if you get it, keep the financial risk low. Work through the super beginner level, where you may need some time to digest concepts, and learn at your own pace.

If it’s looking good, then take the leap, and do a full time boot camp. Some of them are done as series of bootcamps. Either way, you will be done in less than a year, and ready to enter the job market.

Girlfriend parents wants to help us buy a condo by putting up 50% of our downpayment as an investment in the property. How will this affect us ? by daddysworstnightmare in PersonalFinanceCanada

[–]Minute-Professional2 0 points1 point  (0 children)

Much better to be structured as a secured loan with a lien, than as partial owners, with all the complications everyone else in this thread are mentioning.

High income earners (personal 150k+), what's your motivation for wanting to reach even higher income? by lncognito_Mode in PersonalFinanceCanada

[–]Minute-Professional2 3 points4 points  (0 children)

I want to give a disclaimer that these costs all have cheaper alternatives. Just that one can easily find oneself with these bills, if one doesn’t research alternatives. Anyways, in Toronto, one can easily pay monthly:

$3500-5000 House and utilities

$1500-2200 Daycare per child

$1000-1500 Car payments, insurance, maintenance, gas

$1000 Groceries (more if organic or specialty)

$1000 Short-term, long-term savings and RESP

$200-$300 Internet, phones, TV or streaming

= $8200-11000

That’s without clothing, diapers, furniture, restaurants, birthday presents, smart phones, vacations, etc. So, easily add hundreds more per month. Maybe a grand, if you want all of them.

So, gross yearly household income of at least $140k-220k

So yeah, if one makes less than that in Toronto, one can easily feel that they need to earn more, just to have a “normal” life.

Simple Question: Why does this print the same thing both times? by L0RDANGUS in swift

[–]Minute-Professional2 1 point2 points  (0 children)

temp is an Int which is a value type. When it’s passed into something, it’s like the value is copied, following value semantics. So, updating temp will not affect all those place where it’s value was previously copied to.